The U.S. Government Accountability Office last week issued a report stating that ATM fees have risen considerably in the last five years. In 2012, the average cost of using an ATM outside your bank’s network was $2.10, an increase of 20 percent from the $1.75 in 2007.

The GAO analyzed ATMs for financial institutions and independent providers to find that the independent providers charged slightly more than the banks. Financial institutions charged anywhere from 45 cents to $5, but averaged $2.10. Independent providers had fees ranging from $1.50 to $3, but the average was $2.24.

Much of this increase is the result of a decline in revenues for ATM services. The GAO study revealed that most ATM operators have experienced an increase in their operation costs and a decrease in their returns. As long as this continues, the surcharges for using ATMs will likely go up. In addition, banks are under more pressure to find new sources of revenue, especially since the CARD Act and Dodd-Frank legislation took effect.